Your fixed rate Kensington mortgage

When your fixed rate period comes to an end, the rate of interest you pay on your mortgage will move from a fixed interest rate to a variable interest rate, known as a reversionary rate.  The reversionary rate is a tracker rate, the total interest rate being a fixed percentage (a ‘product margin’) above 90 day LIBOR. 

We will write to you before the end of your fixed rate period to notify you of your new variable interest rate and new monthly payment.

Switching your mortgage to a new fixed rate deal

As an existing Kensington customer, we may be able to offer you a switch to a new fixed rate product.  Switching your mortgage is straightforward and there is no fee. 

If we have any products you’re eligible for, we will write to you detailing those products and explaining how you can receive a personal illustration. 

If you have recently received a letter from us containing this information and you have any questions, please refer to ‘Frequently Asked Questions’ document.

Your choice from our execution only mortgage range

We are not authorised by the Financial Conduct Authority to give mortgage advice, this means our customer service team will not be able to speak to you about switching mortgage product, nor assess the suitability of, or recommend any particular product to you.  It’s important you understand you are responsible for the product you choose. 

If you want the protection of a personal recommendation, or have any questions about switching that are not covered in our Frequently Asked Questions’ document you should speak to a mortgage broker or financial adviser.  If you need help finding an advisor, visit ‘Find an Advisor’.

Details of our current tariff of charges can be found here.


Your home may be repossessed if you do not keep up repayments on your mortgage. If you fail to keep up with payments on your mortgage a 'receiver of rent' may be appointed and/or your rental property may be repossessed.

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Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.